topic Upgrade to Ann Taylor Mastercard in Credit Card Approvals

Upgrade to Ann Taylor Mastercard

Anonymous — Mon, 31 Aug 2015 14:27:52 GMT

So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

Re: Upgrade to Ann Taylor Mastercard

Anonymous — Mon, 31 Aug 2015 14:40:47 GMT

Congrats!

Re: Upgrade to Ann Taylor Mastercard

ddemari — Mon, 31 Aug 2015 15:02:10 GMT

Awesome! big congrats to you!

Re: Upgrade to Ann Taylor Mastercard

Anomalous — Mon, 31 Aug 2015 15:15:14 GMT

@Anonymous wrote:
So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

Congratulations!

I recently had a cashier offer me the upgrade, but had to tell her my reports were frozen and I know it won't go through. She had no idea what I was talking about so I had to explain

Re: Upgrade to Ann Taylor Mastercard

Anonymous — Mon, 31 Aug 2015 15:47:06 GMT

@Anonymous wrote:
So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

------
**Update** Turns out It was a hard pull, but on Equifax. That's ok for me since I had 0 inquiries on Equifax as everyone else seems to like TU and Exp, but means I'm restarting my gardening clock

Re: Upgrade to Ann Taylor Mastercard

alextercero — Mon, 31 Aug 2015 15:51:42 GMT

Congrats

Re: Upgrade to Ann Taylor Mastercard

9CLINE — Mon, 31 Aug 2015 16:56:11 GMT

Congrats 2 ya

Re: Upgrade to Ann Taylor Mastercard

tbque — Mon, 31 Aug 2015 17:13:10 GMT

Awesome, Congrats!

Re: Upgrade to Ann Taylor Mastercard

Anonymous — Mon, 31 Aug 2015 18:21:54 GMT

@Anonymous wrote:
@Anonymous wrote:
So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

------
**Update** Turns out It was a hard pull, but on Equifax. That's ok for me since I had 0 inquiries on Equifax as everyone else seems to like TU and Exp, but means I'm restarting my gardening clock

I went to Loft recently and purchased some items on sale. The cashier asked me if I wanted to upgrade my card to the Mastercard version and I asked her if she had to do a new app. She said yes so I no...She was trying to sell me into upgrading but I do not want a HP for that.

Re: Upgrade to Ann Taylor Mastercard

Anonymous — Mon, 31 Aug 2015 18:38:50 GMT

Congrats

Re: Upgrade to Ann Taylor Mastercard

CreditMagic7 — Mon, 31 Aug 2015 18:56:20 GMT

@Anonymous wrote:
@Anonymous wrote:
So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

------
**Update** Turns out It was a hard pull, but on Equifax. That's ok for me since I had 0 inquiries on Equifax as everyone else seems to like TU and Exp, but means I'm restarting my gardening clock

The nice new credit limit should take any sting out of it if there even is any.

Congrats! on the successful upgrade for your Ann Taylor card.

Re: Upgrade to Ann Taylor Mastercard

Anonymous — Mon, 31 Aug 2015 22:19:26 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
@Anonymous wrote:
So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

------
**Update** Turns out It was a hard pull, but on Equifax. That's ok for me since I had 0 inquiries on Equifax as everyone else seems to like TU and Exp, but means I'm restarting my gardening clock

The nice new credit limit should take any sting out of it if there even is any.
Congrats! on the successful upgrade for your Ann Taylor card.

Thanks CreditMagic -- Yes, I'm ok with it. If the HP had been on TU, I would feel differently. But, no one seems to pull Equifax, so I'm ok. And it's $8K that I can use anywhere rather than just AT. Curious though whether the CLI luv button will function the same as Comenity/AT and SP only....hmmm

Re: Upgrade to Ann Taylor Mastercard

yoyo — Mon, 31 Aug 2015 22:30:06 GMT

Congrads

Re: Upgrade to Ann Taylor Mastercard

Anonymous — Tue, 01 Sep 2015 06:04:10 GMT

Congrats on the upgrade and nice starting limit!!! Keep up the good work!!!

Re: Upgrade to Ann Taylor Mastercard

OmarGB9 — Tue, 01 Sep 2015 06:19:37 GMT

Congrats

Re: Upgrade to Ann Taylor Mastercard

dcastillo68 — Sat, 05 Sep 2015 00:44:16 GMT

@Anonymous wrote:
So, I had read on here that Ann Taylor will sometimes offer an upgrade to their MC version at the checkout in the store. Sure enough, I was the last customer Sunday evening (I think there may be a month end quota??) and the sales associate asked if I wanted to upgrade. I said yes. She had me input my SS and income and then she hit the button and voila -- $8K approved!! My previous AT card had a limit of $2750. So far, no hard pulls. I did get an ID alert from my Experian subscription, but it appears to be a soft pull. So, upgrade, higher limit, soft pull and I'm still in the garden.

That's great news! Congrats!

Re: Upgrade to Ann Taylor Mastercard

ccpat — Wed, 28 Oct 2015 04:58:22 GMT

Congrats on your upgrade.

Re: Upgrade to Ann Taylor Mastercard

Country_Feller — Wed, 28 Oct 2015 13:02:54 GMT

AWESOME, Congratulations!!!!!

Re: Upgrade to Ann Taylor Mastercard

fury1995 — Wed, 28 Oct 2015 13:45:59 GMT

I may be wrong but I don't think Comenity offers an upgrade like Synchrony. I'm betting you have two accounts now (store card and cobranded MasterCard)

The alert on Experian was Alliance Data. It was identification matching (like the SCT) to verify your information. That's what triggered your offer for the MasterCard. The hard pull on Equifax is becoming more common this year for Comenity co-brands. That's why you were only asked for your social and income, They had everything else from Experian 2 seconds before you accepted the invitation to apply for the MasterCard.

Either way, congrats and yep $8k is a big win!

Re: Upgrade to Ann Taylor Mastercard

ABC123TLC — Wed, 28 Oct 2015 13:48:27 GMT

upgrade is not an upgrade...

it actually closed your older store account... opens a NEW mastercard account and Balance transfers to the mastercard

all with a hard pull

"If you currently have a LOFT credit card, by submitting this application, you are requesting a Loft MasterCard to replace your existing credit card, If approved, your existing account may be closed and any balance may be transferred to your new LOFT MasterCard account. You will receive your card in the mail."

https://www.loft.com/cwm/instantcredit/cbcc/instantCreditCBCCRegistration.jsp